Consumer Loan Operations Manager

Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end we recruit bright energetic and talented people to be members of our return we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity self-awareness courage and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed our community wins.

ABOUT THE POSITION

The Consumer Loan Operations Manager serves as the operational lead for consumer loan booking servicing and centralized payment processing across all consumer loan products including real estate (HELOC mortgage) and non-real estate (auto personal loans credit cards). This role ensures accurate and timely execution of all servicing and payment activities while maintaining compliance with applicable laws regulations and Credit Union policies. The Manager acts as a liaison with other departmentsincluding Lending Member Services Collections Accounting and Complianceto research and resolve consumer loan and payment-related issues provide subject matter expertise and ensure operational accuracy. The position also manages the loan core system setup for consumer products oversees daily work assignments and supports process improvement initiatives to enhance service delivery and operational efficiency.

NORMAL DAY-TO-DAY WORK

1. Lead and manage the consumer loan operations and payment processing team ensuring department objectives staffing levels and training needs are met. Provide expertise and support to other departments on consumer loan servicing and payment-related matters.

2. Oversee centralized consumer loan payment processing including physical payments lockbox batches electronic payment channels payment posting accuracy and timely reconciliation.

3. Ensure accurate loan booking file maintenance lien perfection escrow administration insurance tracking payoff calculations and lien release processing.

4. Perform and oversee daily weekly and monthly loan-related general ledger reconciliations; coordinate with Accounting/Finance to resolve discrepancies promptly.

5. Manage the HELOC and other real estate loan fulfillment process including document preparation closings and funding ensuring proper loan structure accurate documentation and correct core system setup.

6. Review and resolve payment exceptions returned items misapplied payments and product exceptions; escalate recurring issues as necessary.

7. Liaise with internal departments to research complex consumer loan and payment issues coordinate corrective actions and ensure timely member resolution.

8. Maintain and update departmental procedures policies and job aids for consumer loan fulfillment servicing and payment processing functions.

9. Participate in system and process improvement initiatives offering recommendations to enhance operational efficiency accuracy and service quality.

10. Ensure compliance with all applicable laws regulations and internal policies related to consumer loan servicing payment processing and collateral management.

11. Prepare for and assist with internal and external audits; conduct periodic self-audits to verify operational readiness and compliance.

12. Provide coaching training and performance feedback to staff to maintain high standards of accuracy productivity and service. Foster a collaborative and service-oriented work environment.

13. Display integrity self-awareness courage and respect for staff while ensuring learning agility and flexibility communicating and delegating effectively. Work effectively collaboratively and creatively in a team-oriented environment both internally and externally.

14. Take ownership for actions decisions and results; openly accept feedback and demonstrate both the willingness and ability to improve.

JOB QUALIFICATIONS

Here are a few skills you MUST have to be qualified for this position.

1. Minimum 7-9 years of consumer loan real estate and non-real estate experience; including 1-3 years of management experience.

2. Knowledge of consumer loan documentation lien perfection payoff processing payment posting lockbox operations and applicable consumer lending laws and regulations.

3. Experience with general ledger reconciliation and exception resolution.

4. Strong organizational skills with the ability to multi-task prioritize and adapt to changing demands.

5. Proficiency with loan core processing systems and payment platforms.

6. Ability to function in a business office environment and utilize standard office equipment.

7. Ability to lift a minimum of 25 lbs. (file boxes computer).

8. Ability to travel occasionally.

Here are a few qualities wed LIKE for you to have to make you more suited for this position.

1. Bachelors degree in finance Accounting Economics Business or related field required.

2. Prefer a minimum of 2-3 years of Credit Union credit experience.

3. Possess strong analytical and computer skills.

4. Ability to be resourceful and remain flexible.

5. Technical background and on-going maintenance of loan core system as well as a functional understanding of a loan origination system (LOS) and understanding of GL reconciliation.

CONTACT US

If you have questions about this position description please feel welcome to ask. You can reach our HR Department at:

Civic Human Resources

3600 Wake Forest Road Raleigh NC 27609